It's pretty cold here today (0C or 32F) -- not the worst it gets, by any means, but hardly pleasant.
Yet I am JWE (just warm enough) in my dress with booties. I'm using Angie's tip of layering a pullover over the dress.
This dress has long sleeves and is surprisingly warm for a modal fabrication -- partly because the skirt is double layered. The sweater is the Equipment Sloane from NAS, on its first outing! And what a lovely sweater it is.
I am about to go out and will top this with my grey puffer coat. I may change into my knee high boots as well for a little extra warmth. :)